Sun Life Long-Term Disability Complaints: Common Issues Claimants Raise

Many people receiving Sun Life long-term disability (LTD) benefits report similar concerns during the claims process.

These complaints often arise when benefits are delayed, reassessed, reduced, or terminated — sometimes after months or years of payments. Understanding the most common issues claimants experience can help you determine whether what’s happening with your claim is normal, or whether your benefits may be at risk.

Common Complaints About Sun Life Disability Claims

While every claim is different, people commonly raise concerns about:

• Delays in claim decisions or benefit payments
• Repeated requests for medical information
• Frequent changes in claims adjusters
• Reassessments after long periods of approval
• Surveillance or investigations
• Benefits being reduced or cut off without clear explanation

These situations can be stressful, especially when disability benefits are a primary source of income.

Delays and Communication Problems

One frequent complaint involves delays.

Claimants often report:

• Long wait times for decisions
• Unclear timelines for reassessments
• Difficulty getting updates on their file

Delays may occur during:

• Initial approval
• Medical reviews
• Policy reassessments
• Appeals

Reassessments and Benefit Cut-Offs

Another common concern involves reassessments, particularly after benefits have been paid for some time.

Many Sun Life claims are reviewed:

• After updated medical information is requested
• Following vocational assessments
• At the 24-month (2-year) mark, when the definition of disability often changes

Surveillance and Investigations

Some claimants express concern after learning that surveillance was used during their claim.

Surveillance may include:

• Observations in public places
• Video footage
• Review of public social media content

Short clips or limited observations may be used to question reported limitations, even though they do not necessarily reflect overall functional capacity.

Mental Health–Related Complaints

Claims involving mental health conditions often raise additional concerns.

People with conditions such as:

• Depression
• Anxiety
• PTSD
• Burnout

may report being told they can perform sedentary or lower-stress work, despite ongoing symptoms and functional limitations.

Can You File a Complaint About a Sun Life Disability Claim?

Yes — but it’s important to understand what a complaint can and can’t do.

A complaint may address issues such as:

• Communication problems
• Administrative delays
• How a claim was handled

However, complaints alone typically do not overturn a denial or termination of benefits.

When Complaints Lead to Denied Claims

In many cases, people search for complaints information after their benefits have already been denied or terminated.

If your long-term disability benefits were stopped, delayed, or denied, you may want to review your options on our page about Sun Life long-term disability denial.

Understanding why benefits were cut off — and whether that decision can be challenged — is often more important than filing a complaint alone.

How a Disability Lawyer Can Help With Sun Life Claim Issues

If you’re experiencing ongoing problems with your Sun Life disability claim, a short legal review can help determine whether:

• The claim was handled fairly
• The correct disability definition was applied
• Medical evidence was properly assessed
• You have options beyond the internal complaint process

Frequently Asked Questions

Are complaints about Sun Life disability claims common?

Many claimants report similar issues, particularly around reassessments, delays, and communication.

Will filing a complaint restore my benefits?

Not usually. Complaints may address process issues, but they typically do not reinstate benefits on their own.

What if my benefits were cut off unfairly?

You may have options beyond a complaint, including appealing or taking legal action.

How long do I have to take action?

Timelines vary. Acting sooner helps preserve your options.

Speak With a Disability Lawyer About a Sun Life Claim Issue

If you’re dealing with delays, reassessments, or a denial of Sun Life long-term disability benefits, you don’t have to figure it out on your own.

Speaking with a long term disability lawyer at Samfiru Tumarkin LLP can help you understand your rights.